My debt free diary.

debtfreewannabe321

Lol claire cross -posted xx

claire0788

Haha beat me to it !

hannahroberts1985

Thanks guys

Just did it thought it'd take longer than that. Thanks it's really useful. Did it on my iPhone as bf is on the laptop worked out quite handy and I took a screen shot of the spread sheet and will be able to have a quick look everytime I get paid :0)

Thanks again xxx

hannahroberts1985

Morning,

Well I made it today is pay day :beer:

Transfered all my bits and bobs so now have £155 (£5 reward goes in on the 2nd to make up my £160 budget so decided to transfer that over now to save faffing) in my account the rest has been moved to the rent account, paid BF £100 back and £180 in my other account waiting for my loan repayment. With the loan going out at the start of the month it'll be the second pay day when I get to pay more off my CC's etc. 1st pay day i'll have £92 for CC's etc 2nd £209 so £301 monthly + £180 loan repayment = £481 a month off debt. Sorry I know i'm probably boring you to death just trying to keep focused. _pale_ Wow what I could do with £481 a month :think: One day ( in april 2014 fingers crossed) :rotfl: must stick at it!!!

Going for lunch today I have invited another friend who i'd probably go out with later on in the week aswell so 2 birds 1 bill :j

Will book the cinema tickets for everyone on my card tonight this will mean the money is gone so even if I wanted 2 I couldn't spend it till next tuesday :rotfl:

Sooo have budgeted £30 for food till 15th this is do able as it's what I lived on since last pay day. Will aim to spend £25 to leave a bit spare for milk and fruit. Any other food wil come out of my entertainment money. Will buy extra cat food as I always end up running out near the end.

Rant over will report back later xx

debtfreewannabe321

morning hannah! Gotta love payday huh I did all my transferring with a cup of tea in hand this morning lol and told the children not to interrupt as mummy was doing important business !

Good luck with the new month's budget, ready, steady......!

hannahroberts1985

So back home now. Went to Dogma for lunch which is half price on Tuesdays :j opposite they have opened a pretty little pastry shop so we went there after for a cake and a brew. Took £20 cash out and spend it all BF had to chip in a couple of pounds for cake to save me putting it on my card. Went food shopping after and managed to only spend £23 on food (helped by the fullness from the cake no doubt) I'm pretty sure I have enough to last till next pay day bar milk. Spend £5 on toiletries needed some moisturiser and cotton wool and sofa. Spend £8 on tabacco this should last me till next payday. So if I can make it till Tuesday without speninf anything else I'll have £12 left of my £50 spending budget :T

Home in time to watch the Womans team gymnastics hopefully they do as well as the men. :j

Xx

hannahroberts1985

Quick update feel I need to document everyspend so I don't slip up. 7 cinema tickets brought out of my money bank account £33.75 in total and we got some point on our odeon card so next time me and BF want to go we'll get a free ticket. I've told everyone to pay me on the night also one of my friends going is pregnant and has offered to drive me and BF :j So no taxi fare for me.

Glad I have something to look forward to aswell :T


Right off to watch wall-e xx

hannahroberts1985

Hey :wave:

Back to work today after 3 days off not to bad a day though.

NSD today :j:j:j will need to put petrol in tomorrow as my light came on on my way home. Popping to see a friend after work tomorrow he's getting a new kitten. Must reframe from buying toys for it.

Just cooking up some cornish pasties with the left over mince & onion mix from my shepards pie. Finding i'm getting quite organised with food as I don't want to eat boring food all the time but I also don't want to blow my food budget or waste my entertainment money on takeaways.

Best go cook. Hope you all have a good night x

Sharon87

Sounds like you're getting into it. Paydays are amazing aren't they?

Keep up the budgeting and I'll do the same!

hannahroberts1985

Aghhhhhhhh:mad::mad::mad::mad::mad:just checked my HSBC account the one with the overdraft. They are charging me £37 for informal overdraft fee's. I have looked back throught the month and I had gone over my limit 2x last month 1 by £1.56 which I put back in the same day and another by £0.76 when my phone bill came out and I topped it back up the next day. I'm more annoyed at myself than the bank. It's really p*ssed me off but I guess this is the reason why I came and started a diary because of the vicious circle i've been stuck in.

Aggghhhh again i'm sure if the money went back in within 24 hr's they didn't charge you and £37 for £2.26 takes the micky.

I'll call up tomorrow and have a rant oops I mean polite discussion and see if there is anything I can do.

I have transfered £5 from my entertainment money to the overdraft to cover anything this month but I have now stopped using this card as a back up when I run out of money so should not happen again.

This has given me more determination to sort my money out and stop giving all my hard earned wages to the greedy banks.

I thought i'd done so well :eek::eek::eek: Right i'm off to sulk.